Plan Ledger DOL Form 5500 · updated monthly

Hbw Holdings, Inc.401(k)

HOME BUYERS WARRANTY 401(K) PLAN · AURORA, CO · plan year 2024

Reported admin expense ratio · 2024
0.35%

Peer grade: B · admin costs + employer contributions vs same-size plans · how grading works

Hbw Holdings, Inc. reported $147,287 in plan administrative expenses for 2024: 0.35% of average plan assets, above the peer median. Employer contributions averaged $2,868 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 6 years on file its reported administrative ratio fell from 0.57% to 0.35%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 265th-largest of 1,461 plans among Colorado employers on file, and the 1,787th of 4,798 in finance & insurance. In 2024, employees put in $2.87 for every $1.00 the employer contributed; active participation has shrunk from 503 to 415 since 2018.

Plan summary
Net assets, end of year$45,619,138
Participants with balances634
Active participants415
Employer contributions$1,190,380
Employee contributions$3,410,675
Employer contribution per active participant$2,868
Average account balance$71,954
Benefits paid to participants$2,910,326
Plan auditUnmodified (clean) audit opinion
Plan history8
Yearassets · accounts · employer contribution
2025$0
2024$45.6M · 634 accts · $1.2M emplr
2023$38.9M · 681 accts · $1.2M emplr
2022$32.2M · 694 accts · $1.1M emplr
2021$38.5M · 722 accts · $1.0M emplr
2020$34.2M · 683 accts · $556K emplr
2019$30.4M · 665 accts · $877K emplr
2018$23.4M · 569 accts · $857K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$97,344
Investment management$49,943
Total administrative$147,287
The Hbw Holdings, Inc. 401(k) match · 2024
Employer contribution per active participant$2,868
Median for plans this size$2,416
2024$2,868 per active participant
2023$2,262 per active participant
2022$2,015 per active participant
2021$1,848 per active participant
2020$1,106 per active participant

Hbw Holdings, Inc.'s 2024 employer contribution ran above the $2,416 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$97,344
CREATIVE PLANNING, LLC · Investment advisory (plan)$49,943

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history8
2025Not separately reported
2024$147,287 · 0.35%
2023$135,743 · 0.38%
2022$133,068 · 0.38%
2021$133,121 · 0.37%
2020$113,135 · 0.35%
2019$146,037 · 0.54%
2018$134,751 · 0.57%
Similar plansFinance & Insurance · Colorado
Bellco Credit Union CO$49.8M · 0.01%
Sturm Financial Group Inc. CO$49.7M · 0.07%
Covius Holdings, Inc. CO$49.3M · 0.39%
Westerra Credit Union CO$41.7M · 0.30%
Cherry Creek Mortgage, LLC CO$38.9M · 0.26%
Hbw Holdings, Inc. CO$38.9M · 0.38%
Copic Trust CO$37.3M · 0.00%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 760717719 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.